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This is a follow up story to the one about middle class and conservative tax payers upset/shocked about having their refunds cut or finding they actually owe taxes. Owing taxes, and not being due a refund, is new to many. Most refunds, according to the IRS, will be smaller (8% on average), and many others who are used to receiving a refund will not be getting one (up to 25%).

Linked is a report on the IRS reasons as to why that is true, but not totally true.

They say that it is indeed true that due to the new tax reform law that about a quarter of tax payers who normally would have gotten a tax refund will not be getting a refund this year. But, tax payers should remember, says the IRS, that this new tax reform law also reduced what the income earners paid in advance to the IRS through payroll deductions. Therefore most income earners should understand that they have already received, as part of their take home pay, any tax savings due to them.

John Q -- "But due to increased fees and health insurance premiums I didn't take home more!"

This isn't going to sit well with people.

Expect the number of stunned people to steadily grow as this new tax reality hits home.

Hemp, or industrial hemp (from Old Englishhænep), typically found in the northern hemisphere, is a variety of the Cannabis sativa plant species that is grown specifically for the industrial uses of its derived products. It is one of the fastest growing plants and was one of the first plants to be spun into usable fiber10,000 years ago. It can be refined into a variety of commercial items including paper, textiles, clothing, biodegradable plastics, paint, insulation, biofuel, food, and animal feed.

So let's look at our industries today that could be using hemp in their products, and right now that number of products is around 25,000. I am not going to discuss 25 thousand products, I just want to discuss one. Plastics.

Plastics have been under fire ever since the industry started making plastic wrap for food. The major issue was that the food industry was too dependent on plastic, and many environmental agencies wanted the industry to mix it up so we didn't have so much plastic in the landfills.

I still remember going to a butcher and purchasing meat wrapped in brown or white paper. Cardboard was a necessity in the food industry, and then those foam packages took center in some of the food industries, but the major headache was, "what to wrap this stuff with?"

Unfortunately plastic today is treated just as much a staple as sugar and salt. The stuff is clear, it will wrap around the most unforgiving of items you can imagine, it makes the item see through, and as long as you wrap the item correctly, the plastic will make the item waterproof. Oh! It's cheap too. But right out of the gate people noticed months in the dump did not decompose the plastics at a rate they felt was acceptable. But the food industry treated plastic like bread with peanut butter and jelly. The plastic was inseparable from the industry. From plastic straws to wrap and plastic plates, and even in frozen, plus fresh food items got on board with the stuff. Visit any grocery, or fast food chain, the first thing you see is not only their best sellers, it is also served in plastic. Even if it is a thin film lining a paper cup, you can't visit a grocery chain or a fast food restaurant that doesn't at least have one item in use made from the stuff.

Plastic is made from oil, and don't ask me how they do that because I don't have a clue. But for months now I have said we need to ban plastics because they are crapping our ecosystem. But a crazy thing happened and that was Hemp. The Feds made hemp legal to grow. This is a godsend for the plastic industry, but not so much for the oil industry. So I believe there may be a fight over which is better, but just so you know hemp is biodegradable and plastic made from oil is not. Word is plastics made from oil, some will still be around a thousand years after all of us are gone.

And the winner is Hemp! So today plastics can be made from Hemp including for the food industries. All we need to do folks is convince the industry to use Hemp for food plastics or use cardboard in it's place. We all know that cardboard is not a winner they want plastic food containers, and wrap, and let's not forget the enemy number one, the straw. The big thing though, is how do you get a industry to make a change and plunge head first into Hemp plus love the idea of the change? I say we need to use the environment as a reason for change. We have to start somewhere and plastic food containers and wraps is an excellent choice to get started on cleaning up the mess we created. We should also have lots and lots of kudos for the food chains that agree to Hemp plastics. We can call them perks for the industries, or call them for what they really are and that is... industries or businesses that care for the environment.

By the way in case you don't know they have already said that hemp is the next best thing too save farmers. I wish I had a few hundred acres. I know I would be planting it because it is already considered a super crop. You get in at the bottom and you are sitting pretty while many are still trying to figure it out. Be sure you have a buyer though. Right now there are thousands of buyers as long as you are good at selling it.

US lobby groups for agriculture and pharmaceutical firms want UK standards changed to be closer to those of the US in a post-Brexit trade deal.

The meat lobby wants the sale of growth hormone-fed beef, currently banned in the UK and EU, to be allowed in the UK.

The drugs company lobby wants changes to the NHS drugs approval process to allow it to buy more of US drugs.

The farming groups say any deal should move away from EUstandards, including rules governing genetically modified crops, antibiotics in meats, and pesticides and herbicides, such as glyphosate.

US companies - especially in the agricultural sector - said they hoped the UK would prove more flexible than the EU.

The groups said a new deal could create a trans-Atlantic market "that can act as a bastion against the EU's precautionary advances and its ongoing aggressive attempts to spread its influence around the globe".

The groups, which as well as meat, drug and technology firms include producers of olive oil, wine, nuts, fruit, and dairy products, say they want to see the UK reduce tariffs on food products. They also want to limit geographic labelling rules, such as those that bar US companies from using terms such as Prosecco.

The Animal Health Institute, which produces animal antibiotics, was among several groups that said it would not support a deal that did not address demands by the US agricultural sector.

PhRMA, which represents drug makers in the US such as AbbVie Merck and Novartis, said it wanted a deal to address the barriers to access it currently faces in the UK, pointing to items such as government price controls.

The organisation, as well as some other groups, are also hoping to secure patent protections for certain types of drugs for at least 12 years, among other demands.

Technology groups are also setting out their wishlists for any pact. Companies in this sector are against the UK's proposed digital tax.

The UK government has promised to look at ways of taxing US technology giants, such as Amazon and Google, which critics say do not pay their fair share of tax in the UK and therefore operate at an unfair advantage to physical companies.

There is no doubt that Trump's chaotic form of "governing" is anxiety provoking, dangerous and often inhumane, but in spite of all his grandiose talking points to the contrary, 2018 has been the stock market's worst year since the financial crisis that Obama inherited, and if Trump is allowed to continue his poor decisions, 2019 is predicted to be as bad or worse.

So much for the oft touted accolades the Right keeps giving to Trump the "business man!"

Wall Street's moderate gains in New Year's Eve trading were nowhere near enough to avert the worst year for American stocks since the financial crisis.

The blue chip Dow Jones Industrial Average fell 5.6 percent in 2018, its first annual drop since a 2.2 percent decrease in 2015 but a mere fraction of the 34 percent slide in 2008. The broader S&P 500 tumbled 6.2 percent, its first year in the red since a 0.7 percent slip in 2015, while the Nasdaq is down 3.9 percent. Both indexes lost more than a third of their value in 2008.

The dour performance, which undercuts one of President Trump's favorite economic talking points during his first year in the White House, reflects concern about Federal Reserve interest rate hikes, fallout from tariffs the administration has posed on allies and rivals alike, and speculation that growth will slow in 2019.

"We know the economy is likely to slow because you have the waning effects of tax cuts, you have the impact of higher rates already, and you have trade friction," said Fred Cannon, director of research at New York brokerage Keefe, Bruyette & Woods. Still, "the Fed and most people looking at the U.S. economy don't believe it's going to fall into a recession."

The central bank has raised short-term interest rates nine times, to a range of 2.25 percent to 2.5 percent, since cutting them to nearly zero during the financial crisis. The last 25 basis-point increase, occurring the week before Christmas, dragged markets lower and prompted bitter criticism of Fed Chariman Jerome Powell from Trump, who appointed him to succeed Janet Yellen.

Indeed, the president's musings about whether he could fire Powell injected further volatility into the markets, which rely on the central bank's independent management of the U.S. economy.

"Tension between the Fed and the president is obvious," said David Bianco, Americas chief investment officer for New York-based wealth-management firm DWS. "This is not a first for the Fed," he added, noting market frustration with the Christmas hike. "The Fed must make the right decision for the economy, not its credibility or autonomy."

Along with interest rates, corporate executives and economists will pay close attention during the coming year to trade policy, given Trump's threats to add tariffs to another $267 billion in Chinese imports. The president vows to add the tariffs unless he's able to strike a deal with Beijing that addresses a trade imbalance and Chinese theft of U.S. intellectual property.

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